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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $60,818 | $76,371-20.4% | $93,621-35.0% | $72,975-16.7% |
| Participation rate | 78.3% | 71.8%+6.5pp | 75.8%+2.4pp | 69.5%+8.8pp |
| Annual return | 20.94% | 25.82%-4.9pp | 32.76%-11.8pp | 81.01%-60.1pp |
| Employer contribution / active EE | $3,261 | $2,276+43.3% | $2,719+19.9% | $2,440+33.6% |
| Participant deferral / active EE | $1,733 | $3,538-51.0% | $4,070-57.4% | $3,608-52.0% |
| Admin fee / account holder | $3,400 | $6,839-50.3% | $7,890-56.9% | $5,124-33.6% |